Direct answer
Claims are often denied during the contestable period if the insurer discovers that material information, such as a pre-existing medical condition, was misrepresented or omitted on the original application. It depends on whether the omission is deemed a material misrepresentation that would have altered the initial underwriting decision.
State insurance regulatory guidelines regarding policy contestability and underwriting disclosure requirements. For additional information about state-specific consumer protections and regulatory guidelines, see the National Association of Insurance Commissioners‘ consumer resources.
What this means for you
Claims are often denied during the contestable period if the insurer discovers that material information, such as a pre-existing medical condition, was misrepresented or omitted on the original application. It depends on whether the omission is deemed a material misrepresentation that would have altered the initial underwriting decision.
ARMFOX HEALTHCARE
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